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Compare Rancho Cordova, CA Home Loans

For all your Rancho Cordova home loan needs, call Mr. Cooper. We're your purchase and refinance partner in California.

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Get Started on Your Rancho Cordova Home Loan Journey

Homes aren't one size fits all structures. Rancho Cordova home loans aren’t either. Finding the right fit for you takes some shopping around! That's where Mr. Cooper comes in. Our goal is to turn the homeownership journey into something that's less difficult and more enjoyable, starting with the mortgage loan process. We encourage you to continue reading for introductory details about picking your Rancho Cordova home loan, but also contact a Mr. Cooper professional with any mortgage questions you might have.

As you begin searching for home loans, double check your credit and try your best to improve your score. A not-so-great credit score might mean you are presented with a higher interest rate on your loan. On the flip side, a strong credit score can help you negotiate your best rate with a potential lender. Your credit history, finances, and and the timeframe you'd like to make your move can all impact the type of loan that matches your needs. So, what's out there to choose from?

What Types of Loans Are There in Rancho Cordova, CA?

Rancho Cordova home buyers have more than one type of home loan to choose from. There are: conventional loans, VA loans, VA Interest Rate Reduction Loans (VA IRRRL), VA loans, FHA loans, and FHA streamline loans. A conventional loan may be the perfect option for you if you're ready to make a down payment of at least 3% (depending on your situation), your credit is healthy, and your income and employment history are stable.

FHA and VA loans fall into the government loan category. Credit and salary/wage requirements are often laid-back than conventional loans. And if you're a veteran, active-duty service member or surviving spouse, you may be eligible to apply for a VA new home loan. Which one of these home loans is a good fit for you? A professional loan officer can help you compare loans and plan your next steps, depending on your stage in the journey.

Begin in Rancho Cordova, CA with a Preapproval Letter

Secure a Verified Approval Letter from the lender before you start shopping for homes in Rancho Cordova to demonstrate that you really do intend to buy. A Verified Approval Letter shows that your lender has looked at all of your finances and communicated about how much you can buy. It can also speed up with the real estate agent and seller because they’re know you can afford the home. Call the mortgage team at Mr. Cooper today to discuss everything from your potential loan options, credit score, and your Verified Approval letter. Now is a great time for buying a home in Rancho Cordova. What are you waiting for? Call now to get the super-smart help you want!

Mr. Cooper Reviews from Real Customers in Rancho Cordova, CA

Take it from these happy Mr. Cooper mortgage customers in Rancho Cordova, CA: We love helping homeowners. Call now to see how we can serve you.

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